新时期农村信用社改革若干问题的思考

目前农村信用社改革中存在的问题应该引起政府重视。要关注股份制改革中已经暴露出的背离服务“三农”的倾向,充分确立社员在农信社管理与监督中的委托人身份与主权地位。据社会一般利润率判断,农信社分红水平过高且容易引致管理层与一般社员的角色冲突,农信社管理体制改革对地方政府的施政能力无疑是一种考验,要预先防范地方政府的财政风险和道德风险。改革会诱致一些农村地区出现金融“真空”,要及时推出相关政策促进自生自发合作金融组织的涌现。

A Contemplation of Several Problems of Rural Credit Co-op Reform

Several problems which have arisen from rural credit co-op reform call for governmental concern. Attention should be paid to the tendency astray from its aims of serving farmers, farming, and farming areas exposed in co-op reform to establish entrust position of the members in the co-op. Judging by general profit margin, the ratio of dividends is excessively high, which can cause easily role conflicts between managers and average members. The coop administration system reform is undoubtedly a test on the administration ability of local government,some assures should be taken to guard against fiscal and moral risk of local governments. Relevant policies should be formulated to promote emerging in large number co-op spontaneous financial organizations because the reform can induce the financial "vacuum" of some rural areas.